At once it is necessary to find answers to a lot of questions concerning finances:
- how and where to store the earned money?
- how correctly to allocate money for all needs of a young family (which suddenly became a lot)?
- how to make it so that when you send money to the general "boiler", you feel as independent as before the family life?
Experts and specialists in family psychology have already given their recommendations to these and other questions. Schemes for managing the family budget can be conditionally divided as follows: a common purse, partially common or separate. A common purse means that the spouses put their earnings in one place and make joint decisions regarding large expenditures or purchases, and take the money from the general cashier without reporting. When managing separate wallets, the accounts of the spouses are different, they are paid for expenses either in half, or each according to their own (pre-agreed) accounts. A partially common purse is a synthesis of the two above schemes. Each couple chooses an acceptable option, but, nevertheless, for many, the solution of the financial issue in family life, at first, is quite acute. For someone it's enough just to get used to a new life, and someone needs practical advice, without knowing which, every month you have to patch up a hole in the family budget. Consider a couple of them.
- Compulsory expenditure control is necessary, the ultimate goal of such actions is to understand how much money and what goes, what items of expenditure are mandatory, and without which you can do without.
- Pay attention to how you spend money: is this a deliberate decision or a spontaneous impulse? If the impulse, then know that family life requires a cold-blooded, meaningful attitude to money and purchases that you make, do not succumb to impulses - so no money is not enough.
- Try to put it off. Regardless of your income, it is always possible to postpone at least a little, because in this case you will have "free money" that you can send to useful acquisitions or rest.
- Wearing large sums in your wallet is counter-indicative, because it increases the temptation to spend it, and temptations in family life are enough without us!
- Do not be afraid to discuss the financial question with your own half, it is easier to make the right decision together.
- Do not overdo with the savings, fortunately, this is not the only way to improve the financial condition. Discount cards, seasonal discounts and sales, meters - all this will help to be rational when making purchases and necessary payments.
- Allow yourself to often count money - it organizes and allows you to determine where they are "leaking out."
- If you just received money, do not rush to spend it, lie with this thought, then look, and change your mind, finding the purchase is not necessary.
Summarizing, we see that an important assistant in the management of your family's finances is planning. Whichever family budget scheme you choose (general purse, partially general or separate), planning will help you determine your financial goals and adjust them with an amendment to a real family life, not a fictitious one. And the maintenance and analysis of the family budget will allow you to rationally use the means you earn and, by creating a reserve fund, direct them not only for current needs, but also for your goals. That not only helps to resolve the financial issue in family life, but also leads to this desired well-being.